Kita (YC W26) is building the AI credit infrastructure layer for lenders in emerging markets.

In much of the world, the important financial data to underwrite loans still lives in messy documents.

Traditional OCR breaks on the files lenders actually rely on, so credit teams are still stuck doing manual review. We’re building VLMs to automate the work a credit officer does today: parsing documents, detecting fraud, cross-checking information, and extracting real risk signals for underwriting.

This is a deeply technical problem at the intersection of vision, reasoning, and financial systems.

You’d ship quickly, work directly with users, travel across LatAm, Southeast Asia, and Africa, and help define both the product and engineering culture from day one.